/* OSA Investment Services — estilos comunes */
@font-face{font-family:'Montserrat';src:url('montserrat.woff2') format('woff2');font-weight:100 900;font-style:normal;font-display:swap}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Montserrat',system-ui,-apple-system,'Segoe UI',sans-serif;color:#1f2937;background:#fff;-webkit-font-smoothing:antialiased}
:root{--navy:#0A2240;--navy2:#1a3a5c;--orange:#EE7200;--light:#F4F6F9;--text:#4b5563;--grey:#6b7280}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{max-width:1200px;margin:0 auto}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;color:var(--navy);padding:8px 14px;border-radius:8px;z-index:999}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--orange);outline-offset:3px}
.ico{width:24px;height:24px;stroke:currentColor;fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* Marcadores de contenido pendiente: visibles a propósito hasta rellenarlos */
.pendiente{outline:2px dashed #EE7200;outline-offset:4px;position:relative}
.pendiente::before{content:'PENDIENTE';position:absolute;top:-12px;right:8px;background:#EE7200;color:#fff;font-size:9px;font-weight:800;letter-spacing:1px;padding:2px 8px;border-radius:4px;z-index:3}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:200;transition:background .4s,box-shadow .4s}
nav.scrolled,nav.solid{background:rgba(10,34,64,.97);backdrop-filter:blur(12px);box-shadow:0 4px 30px rgba(0,0,0,.22)}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 24px;height:76px;display:flex;align-items:center;justify-content:space-between}
.logo-pill{background:#fff;border-radius:8px;padding:5px 12px;display:inline-flex;align-items:center}
.logo-pill img{height:38px;width:auto}
.nav-links a{color:rgba(255,255,255,.8);text-decoration:none;font-size:12.5px;font-weight:600;margin-left:24px;position:relative;transition:color .2s}
.nav-links a::after{content:'';position:absolute;bottom:-4px;left:0;width:0;height:2px;background:var(--orange);transition:width .3s}
.nav-links a:hover{color:#fff}
.nav-links a:hover::after{width:100%}
.nav-links .btn-nav{background:var(--orange);color:#fff;padding:10px 22px;border-radius:50px;font-weight:700}
.nav-links .btn-nav::after{display:none}
.hamburger{display:none;background:none;border:none;color:#fff;cursor:pointer;padding:6px}
@media(max-width:960px){.nav-links{display:none}.hamburger{display:flex}}
.mobile-menu{display:none;background:var(--navy);border-top:1px solid rgba(255,255,255,.08);padding:12px 24px 24px}
.mobile-menu.open{display:block}
.mobile-menu a{display:block;color:rgba(255,255,255,.85);text-decoration:none;font-size:15px;font-weight:600;padding:13px 0;border-bottom:1px solid rgba(255,255,255,.06)}

/* HERO */
#hero{min-height:100vh;display:flex;align-items:center;position:relative;overflow:hidden;background:var(--navy);padding-top:76px}
.hero-canvas{position:absolute;inset:0;z-index:0;width:100%;height:100%}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(120deg,rgba(10,34,64,.95) 40%,rgba(10,34,64,.7) 100%);z-index:1}
.hero-content{max-width:1200px;margin:0 auto;padding:90px 24px;position:relative;z-index:2;width:100%}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(238,114,0,.13);border:1px solid rgba(238,114,0,.35);border-radius:50px;padding:7px 18px;margin-bottom:30px}
.badge span{color:#ff9a3d;font-size:11px;font-weight:700;letter-spacing:1px}
.dot{width:6px;height:6px;border-radius:50%;background:var(--orange)}
h1.hero-title{color:#fff;font-size:clamp(34px,5.5vw,66px);font-weight:900;line-height:1.08;letter-spacing:-.5px;margin-bottom:24px}
h1.hero-title .accent{color:var(--orange)}
.hero-sub{color:rgba(255,255,255,.78);font-size:17px;line-height:1.8;max-width:640px;margin-bottom:44px}
.btns{display:flex;gap:14px;flex-wrap:wrap}
.btn-primary{display:inline-flex;align-items:center;gap:8px;background:var(--orange);color:#fff;text-decoration:none;font-weight:700;font-size:14px;padding:15px 30px;border-radius:14px;box-shadow:0 8px 28px rgba(238,114,0,.38);transition:transform .25s,box-shadow .25s;border:none;cursor:pointer;font-family:inherit}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 14px 36px rgba(238,114,0,.52)}
.btn-secondary{display:inline-flex;align-items:center;gap:8px;background:transparent;color:#fff;text-decoration:none;font-weight:600;font-size:14px;padding:15px 30px;border-radius:14px;border:1.5px solid rgba(255,255,255,.3);transition:background .25s,border-color .25s}
.btn-secondary:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.55)}
.btn-primary .ico,.btn-secondary .ico{width:16px;height:16px;stroke-width:2.4}

/* STATS */
#stats{background:var(--navy);border-top:1px solid rgba(255,255,255,.06)}
.stats-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr)}
.stat-item{padding:46px 24px;text-align:center;border-right:1px solid rgba(255,255,255,.08)}
.stat-item:last-child{border-right:none}
.stat-num{font-size:clamp(38px,4.5vw,52px);font-weight:900;color:var(--orange);line-height:1;margin-bottom:8px}
.stat-label{font-size:11.5px;font-weight:700;color:#fff;text-transform:uppercase;letter-spacing:.8px;margin-bottom:6px}
.stat-desc{font-size:12px;color:rgba(255,255,255,.6);line-height:1.6}
@media(max-width:760px){.stats-grid{grid-template-columns:1fr 1fr}.stat-item:nth-child(2){border-right:none}.stat-item{border-bottom:1px solid rgba(255,255,255,.08)}}

/* Secciones */
section{scroll-margin-top:76px}
.sec{padding:100px 24px}
.sec-light{background:var(--light)}
.eyebrow{font-size:11px;font-weight:700;color:#b35600;letter-spacing:2px;text-transform:uppercase;margin-bottom:14px}
.title{color:var(--navy);font-weight:900;font-size:clamp(28px,3.6vw,42px);line-height:1.15;margin-bottom:22px}
.body-text{color:var(--text);line-height:1.85;font-size:15px;margin-bottom:16px}
.body-text strong{color:var(--navy)}
.center-head{text-align:center;max-width:700px;margin:0 auto 56px}

/* Aparición al hacer scroll: solo si hay JS y no se pide movimiento reducido */
.js .reveal{opacity:0;transform:translateY(28px);transition:opacity .7s ease,transform .7s ease}
.js .reveal.visible{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.js .reveal{opacity:1;transform:none;transition:none}}

/* ABOUT */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.about-img-wrap{position:relative}
.about-img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:24px}
.about-badge{position:absolute;bottom:-20px;right:-16px;background:var(--orange);border-radius:18px;padding:18px 24px;text-align:center;box-shadow:0 12px 32px rgba(238,114,0,.4)}
.about-badge-num{font-size:32px;font-weight:900;color:#fff;line-height:1}
.about-badge-txt{font-size:10px;color:#fff;font-weight:700;letter-spacing:1px;text-transform:uppercase;margin-top:4px}
.tag-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:28px}
.tag{display:flex;align-items:center;gap:8px;background:rgba(10,34,64,.06);border-radius:50px;padding:8px 16px;font-size:12px;font-weight:700;color:var(--navy)}
@media(max-width:860px){.about-grid{grid-template-columns:1fr;gap:48px}.about-img-wrap{max-width:520px;margin:0 auto}}

/* SECTORES */
.sectors-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
@media(max-width:760px){.sectors-grid{grid-template-columns:1fr 1fr}}
.sector-card{background:#fff;border-radius:18px;padding:26px 18px;text-align:center;border:1px solid #e7ebf1;transition:transform .3s,box-shadow .3s}
.sector-card:hover{transform:translateY(-5px);box-shadow:0 18px 40px rgba(10,34,64,.1)}
.sector-card .ico{width:30px;height:30px;color:var(--orange);margin:0 auto 12px;display:block}
.sector-card h3{color:var(--navy);font-size:13px;font-weight:800;line-height:1.35}

/* SERVICIOS */
.services-header{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;margin-bottom:56px}
.services-img{width:100%;aspect-ratio:16/10;object-fit:cover;border-radius:22px}
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.svc-card{background:#fff;border-radius:20px;padding:30px 26px;border:1px solid #e7ebf1;display:flex;flex-direction:column;transition:transform .35s,box-shadow .35s;position:relative;overflow:hidden}
.svc-card::after{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--orange),#ffaa4a);transform:scaleX(0);transform-origin:left;transition:transform .35s}
.svc-card:hover{transform:translateY(-6px);box-shadow:0 22px 46px rgba(10,34,64,.11)}
.svc-card:hover::after{transform:scaleX(1)}
.svc-icon{width:50px;height:50px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.svc-card h3{color:var(--navy);font-weight:800;font-size:15px;margin-bottom:10px;line-height:1.3}
.svc-card p{color:var(--text);font-size:13.5px;line-height:1.8;flex:1}
.svc-card.destacado{border:2px solid var(--orange)}
.svc-link{margin-top:16px;color:#b35600;font-weight:700;font-size:13px;text-decoration:none}
.svc-link:hover{text-decoration:underline}
@media(max-width:960px){.services-header{grid-template-columns:1fr;gap:32px}.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.svc-grid{grid-template-columns:1fr}}

/* MODELOS FINANCIEROS (nuevo servicio) */
#modelos{background:linear-gradient(135deg,#081c36 0%,#0d2d4d 60%,#081c36 100%);padding:90px 24px;position:relative;overflow:hidden}
#modelos::before{content:'';position:absolute;width:420px;height:420px;border-radius:50%;background:var(--orange);opacity:.07;top:-120px;right:-100px;filter:blur(40px)}
.modelos-grid{display:grid;grid-template-columns:1.15fr 1fr;gap:60px;align-items:center;position:relative}
#modelos .eyebrow{color:#ff9a3d}
#modelos .title{color:#fff}
#modelos .body-text{color:rgba(255,255,255,.78)}
.precio{font-size:clamp(26px,3vw,34px);font-weight:900;color:#fff;margin:6px 0 10px}
.precio span{color:var(--orange)}
.precio-nota{color:rgba(255,255,255,.72);font-size:14px;line-height:1.75;margin-bottom:30px;max-width:560px}
.incluye{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:22px;padding:32px 30px}
.incluye h3{color:#fff;font-size:15px;font-weight:800;margin-bottom:18px}
.incluye li{list-style:none;color:rgba(255,255,255,.82);font-size:13.5px;line-height:1.6;padding:9px 0 9px 30px;position:relative;border-bottom:1px solid rgba(255,255,255,.06)}
.incluye li:last-child{border-bottom:none}
.incluye li .ico{position:absolute;left:0;top:10px;width:18px;height:18px;color:var(--orange);stroke-width:2.4}
.incluye .extra{margin-top:16px;color:rgba(255,255,255,.6);font-size:12.5px;line-height:1.7}
@media(max-width:900px){.modelos-grid{grid-template-columns:1fr;gap:40px}}

/* PROCESO */
.process-grid{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:start}
.step{display:flex;gap:22px}
.step-left{display:flex;flex-direction:column;align-items:center;flex-shrink:0}
.step-circle{width:54px;height:54px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;display:flex;align-items:center;justify-content:center;border:3px solid var(--orange)}
.step-line{width:2px;flex:1;min-height:40px;background:linear-gradient(to bottom,rgba(238,114,0,.35),rgba(238,114,0,.05));margin-top:8px}
.step-body{padding:8px 0 40px}
.step-num{font-size:10px;color:#b35600;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:6px}
.step-body h3{color:var(--navy);font-weight:800;font-size:16px;margin-bottom:8px}
.step-body p{color:var(--text);font-size:13.5px;line-height:1.8}
.step:last-child .step-body{padding-bottom:0}
@media(max-width:860px){.process-grid{grid-template-columns:1fr;gap:44px}}

/* EQUIPO */
.team-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.team-card{background:#fff;border-radius:22px;padding:28px;border:1px solid #e7ebf1;text-align:center}
.team-photo{width:120px;height:120px;border-radius:50%;margin:0 auto 18px;background:linear-gradient(135deg,#dfe5ee,#c7d0dd);display:flex;align-items:center;justify-content:center;color:#8a97ab;overflow:hidden}
.team-photo .ico{width:48px;height:48px}
.team-card h3{color:var(--navy);font-size:16px;font-weight:800}
.team-role{color:#b35600;font-size:12px;font-weight:700;letter-spacing:.5px;text-transform:uppercase;margin:6px 0 12px}
.team-card p{color:var(--text);font-size:13px;line-height:1.7}
.team-card a{display:inline-flex;margin-top:14px;color:var(--navy)}

/* OPERACIONES (tombstones) */
.ops-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:18px}
.op-card{background:#fff;border-radius:18px;padding:26px 22px;border-top:4px solid var(--orange);box-shadow:0 6px 24px rgba(10,34,64,.06)}
.op-type{font-size:10.5px;font-weight:700;color:#b35600;letter-spacing:1px;text-transform:uppercase;margin-bottom:10px}
.op-amount{font-size:28px;font-weight:900;color:var(--navy);margin-bottom:8px}
.op-desc{color:var(--text);font-size:13px;line-height:1.6}
.op-year{margin-top:12px;color:var(--grey);font-size:12px;font-weight:600}

/* VALOR */
.val-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.val-card{background:#fff;border-radius:20px;padding:34px 30px;border:1px solid #e7ebf1;position:relative;overflow:hidden}
.val-num{position:absolute;top:14px;right:22px;font-size:54px;font-weight:900;color:rgba(10,34,64,.05);line-height:1}
.val-icon{width:54px;height:54px;border-radius:16px;background:linear-gradient(135deg,var(--orange),#ff9a33);color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:20px}
.val-card h3{color:var(--navy);font-weight:800;font-size:16px;margin-bottom:10px}
.val-card p{color:var(--text);font-size:13.5px;line-height:1.8}
@media(max-width:760px){.val-grid{grid-template-columns:1fr}}

/* CONTACTO */
.contact-grid{display:grid;grid-template-columns:1fr 1.4fr;gap:72px;align-items:start}
.contact-info{display:flex;flex-direction:column;gap:18px;margin:32px 0 36px}
.info-row{display:flex;align-items:center;gap:16px}
.info-icon{width:46px;height:46px;border-radius:14px;background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;display:flex;align-items:center;justify-content:center;flex-shrink:0}
.info-icon .ico{width:20px;height:20px}
.info-label{font-size:10.5px;color:var(--grey);font-weight:700;letter-spacing:.5px;text-transform:uppercase;margin-bottom:2px}
.info-val{font-size:14px;font-weight:700;color:var(--navy);text-decoration:none}
a.info-val:hover{color:#b35600}
.confidential-box{padding:22px 24px;background:linear-gradient(135deg,rgba(10,34,64,.05),rgba(238,114,0,.06));border-radius:16px;border-left:4px solid var(--orange)}
.conf-label{font-size:10.5px;font-weight:700;color:#b35600;letter-spacing:1px;text-transform:uppercase;margin-bottom:6px}
.conf-text{color:var(--text);font-size:13.5px;line-height:1.75}
.form-card{background:#fff;border-radius:26px;padding:42px 38px;box-shadow:0 8px 48px rgba(10,34,64,.08)}
.form-title{color:var(--navy);font-weight:800;font-size:20px;margin-bottom:24px}
.fg{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-bottom:16px}
.form-group{margin-bottom:16px}
label.fl{display:block;font-size:11px;font-weight:700;color:var(--navy);margin-bottom:6px;letter-spacing:.3px;text-transform:uppercase}
input,select,textarea{width:100%;padding:13px 15px;border-radius:12px;border:1.5px solid #d9dee6;font-size:14px;font-family:inherit;color:var(--navy);background:#FAFBFC;transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(238,114,0,.18)}
textarea{resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;font-size:12.5px;color:var(--text);line-height:1.6;margin-bottom:12px}
.check input{width:18px;height:18px;margin-top:2px;flex-shrink:0;accent-color:var(--orange)}
.check a{color:var(--navy);font-weight:700}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.btn-submit{width:100%;justify-content:center;margin-top:8px}
.btn-submit[disabled]{opacity:.6;cursor:wait}
.form-note{color:var(--grey);font-size:11.5px;text-align:center;margin-top:12px}
.form-error{display:none;background:#fdecec;color:#9b1c1c;border-radius:10px;padding:12px 14px;font-size:13px;margin-top:12px;line-height:1.6}
.form-error a{color:#9b1c1c;font-weight:700}
.success-msg{display:none;text-align:center;padding:48px 16px}
.success-icon{width:72px;height:72px;border-radius:50%;background:rgba(238,114,0,.12);color:var(--orange);display:flex;align-items:center;justify-content:center;margin:0 auto 20px}
.success-icon .ico{width:36px;height:36px;stroke-width:2.4}
.success-msg h3{color:var(--navy);font-weight:800;font-size:22px;margin-bottom:10px}
.success-msg p{color:var(--grey);font-size:14px;line-height:1.7}
@media(max-width:860px){.contact-grid{grid-template-columns:1fr;gap:48px}}
@media(max-width:560px){.fg{grid-template-columns:1fr}.form-card{padding:28px 20px}}

/* FOOTER */
footer{background:var(--navy);padding:56px 24px 30px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.08);margin-bottom:26px}
.footer-desc{color:rgba(255,255,255,.65);font-size:13px;line-height:1.8;max-width:320px;margin-top:18px}
.footer-col-title{color:#fff;font-size:11px;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:18px}
.footer-link{display:block;color:rgba(255,255,255,.68);font-size:13px;text-decoration:none;margin-bottom:10px}
.footer-link:hover{color:#fff;text-decoration:underline}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px;color:rgba(255,255,255,.55);font-size:11.5px}
.footer-bottom a{color:rgba(255,255,255,.65);text-decoration:none}
@media(max-width:860px){.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}}

/* PÁGINAS LEGALES */
.legal{max-width:820px;margin:0 auto;padding:130px 24px 80px}
.legal h1{color:var(--navy);font-size:clamp(28px,4vw,38px);font-weight:900;margin-bottom:10px}
.legal .fecha{color:var(--grey);font-size:13px;margin-bottom:36px}
.legal h2{color:var(--navy);font-size:18px;font-weight:800;margin:32px 0 12px}
.legal p,.legal li{color:var(--text);font-size:14.5px;line-height:1.85;margin-bottom:12px}
.legal ul{padding-left:22px}
.legal table{width:100%;border-collapse:collapse;margin:12px 0 20px;font-size:13.5px}
.legal th,.legal td{border:1px solid #e1e6ee;padding:10px 12px;text-align:left;color:var(--text);vertical-align:top}
.legal th{background:var(--light);color:var(--navy)}
.ph{background:#fff4e8;color:#a34f00;font-weight:700;padding:0 4px;border-radius:3px}
.aviso-borrador{background:#fff4e8;border-left:4px solid var(--orange);padding:14px 18px;border-radius:8px;color:#7a3c00;font-size:13px;line-height:1.7;margin-bottom:28px}